Financial Representative

Job Description:

Sales Activities:

1. Introduce and sell/market Scania financial products to prospective and existing Scania clients. Selling methods to be aligned with Scania corporate vision.

2.Meet with Scania prospective and existing clients in order to:

• Negotiate financing deals
• Learn their business
• Collect information
• Maintain relationship
• Sign agreements

• Add value to Scania and its Customers

• Regular visit to SG Scania Commercial Operation, Rebuild Prime Mover body builder and Bus Body Builder. Build relationship and source leads/prospect from them. Follow up closely on the leads/prospect and provide feed back to the body builder

4.Assess the credit worthiness of prospective clients within the of Scania Finance credit policy. Where deemed acceptable risk at acceptable margin, prepare and submit suitable credit application within a prescribed format to the SFO credit committee for sanction.

5.Develop and foster relationships with Scania Malaysia (SMY) and Scania Singapore (SSG) salesmen, with the express purpose of:

• Generating and procuring sales opportunities,
• Promoting Scania's Value Based Selling approach
• Gaining information on customer behaviour, markets trends and opportunities guidelines
• Understanding the Scania product and its value over time

Sales Administration:

1. If necessary, preparation of financing agreements with supplementary agreements and securities

2. Assure agreements are properly signed and if applicable legalised in due course

3. Arrange to have SCMY securities perfected (e.g. vehicle registrations/pledge)

4. Prepare and maintain sales reports that include but are exclusive to:

5. Activity reports

6. Pipeline report
7. Lead received report
8. Conversion/Quotation reports

Any other sales management reports and/or meetings deemed appropriate by SFO management

Credit Administration:

1. Monitor performance of portfolio for signs of weakening customer behaviour

2. Engage with default clients early and frequently in order to:

3. Regularise the default behaviour

4. Understand customer challenges
5. Assess whether support is warranted

6. Report to SFO credit committee on findings and recommendations

7. To institute legal action, that could include:

8. Repossession proceedings

9. Winding up proceedings
10. Collection proceedings

11. Restructure proceedings

12. Where applicable, repossess financed assets and attend to their remarketing

Requirements

Education and/or Experience

• Bachelor's Degree or higher in Finance, Economics, Business administration or related field
• Relevant business knowledge and experience
• At least 3-5 years proven sales experience (track record) in the asset finance industry
• Sound knowledge on the asset based finance industry(Knowledge of Commercial vehicle market an advantage)

Key Competencies / Skills Required:

• Highly motivated independent thinker
• Ability to skilfully analyse and interpret financial and commercial information with a view of assessing credit risk
• Reasonable understanding of the legal framework relevant to commercial asset based financing
• Possess of a thorough working knowledge of movable asset finance products
• Good commercial acumen
• Strong communication skills and the ability to forge strong working partnerships with the SMY sales teams.
• Be proficient in key aspects of IS/IT specifically Microsoft Office (Excel, Word Outlook PowerPoint).

Location:

The FR will be based in the dealership network of SMY & SSG , with the primary office being in Bukit Jelutong and Singapore. The role is mobile by nature and regular movements between the dealerships of SMY, will be required.

Will also need to attend conferences, seminars and meetings as required within Malaysia or abroad.

Language:

• Bahasa Malay
• English

Job Types: Full-time, Permanent

Pay: RM3, RM7,000.00 per month

Benefits:

• Cell phone reimbursement
• Company car
• Dental insurance
• Maternity leave
• Opportunities for promotion
• Professional development
• Vision insurance

Work Location: In person